Relationship of Credit Attitude and Debt to Self-Esteem and Locus of Control in College-Age Consumers

2004 ◽  
Vol 94 (3_suppl) ◽  
pp. 1405-1418 ◽  
Author(s):  
Mary Beth Pinto ◽  
Phylis M. Mansfield ◽  
Diane H. Parente
Keyword(s):  
College Students ◽  
Locus Of Control ◽  
Psychological Factors ◽  
Credit Card ◽  
Credit Cards ◽  
Self Esteem ◽  
College Age ◽  
Significant Difference ◽  
User Groups ◽  
And Behavior

College-age consumers are one of the groups most highly targeted by credit card marketers. While some college students use their credit cards wisely, others are unable to control their spending. The objective of this study was to investigate differences in attitude toward credit cards and the psychological factors of self-esteem and locus of control among college students who possess one or more credit cards. Attitude was operationalized to include three underlying components: cognitive, affective, and behavioral. We separated credit users into subcategories based on amount of installment debt. Convenience users were defined as those consumers who paid the credit-card balance in full each month. Installment users were classified as consumers who carried a balance month-to-month. Convenience users were compared to mild and heavy installment users to assess significance of differences in attitudinal and psychological factors. There were no significant differences in the psychological factors across the credit-card user groups. In addition, there was a statistically significant difference on each of the attitude components (knowledge/beliefs, affect, and behavior) across user groups; convenience users, mild installment, and heavy installment users.

Materialism and Credit Card Use by College Students

2000 ◽  
Vol 86 (2) ◽  
pp. 643-652 ◽  
Author(s):  
Mary Beth Pinto ◽  
Diane H. Parente ◽  
Todd S. Palmer
Keyword(s):  
College Students ◽  
Credit Card ◽  
Credit Cards ◽  
The United States ◽  
College Campuses ◽  
Spending Patterns ◽  
Significant Difference ◽  
Students Attitudes ◽  
The Relationship ◽  
Credit Card Use

Much has been written in the popular press on credit card use and spending patterns of American college students. The proliferation of credit cards and their ease of acquisition ensure that students today have more opportunities for making more credit purchases than any other generation of college students. Little is known about the relationship between students' attitudes towards materialism and their use of credit cards. A study was conducted at three college campuses in the northeastern part of the United States where a total of 1,022 students were surveyed. Students' attitudes toward use of credit and their credit card balances were evaluated relative to their scores on Richins and Dawson's Materialism Scale (1992). Our findings suggest no significant difference between those individuals scoring high versus low on the Materialism Scale in terms of the number of credit cards owned and the average balance owed. Individuals high on materialism, however, significantly differed in terms of their uses for credit cards and their general attitude toward their use.

Self-Control and Credit-Card Use among College Students

2003 ◽  
Vol 92 (3_suppl) ◽  
pp. 1067-1078 ◽  
Author(s):  
Phylis M. Mansfield ◽  
Mary Beth Pinto ◽  
Diane H. Parente
Keyword(s):  
College Students ◽  
Credit Card ◽  
Credit Cards ◽  
Self Control ◽  
Convenience Sample ◽  
Control Scale ◽  
Significant Difference ◽  
Traditional Age ◽  
The Relationship ◽  
Credit Card Use

This study assessed the relationship between sell-control and credit-card use with a convenience sample of 165 traditional-age college students of whom 69 (42%) were women. Students' self-control was measured on Grasmick, et al.'s Self-control Scale, which has six subscales, one of which is Impulsivity. Comparisons were made between those students who paid their cards off each month, called convenience users, and those who carried a monthly balance forward on scores on total self-control and impulsivity, and number of credit cards possessed. A significant difference in self-control scores was found between these two groups and also for mean impulsivity scores. Significantly fewer credit cards were possessed by students who paid their cards off each month than by those who carried a monthly balance.

Locus of Control, Political Attitudes, and Voting Behavior in a College-Age Population

1972 ◽  
Vol 30 (2) ◽  
pp. 529-530 ◽  
Author(s):  
Edward B. Blanchard ◽  
M. Eugene Scarboro
Keyword(s):  
College Students ◽  
Locus Of Control ◽  
Voting Behavior ◽  
Political Attitudes ◽  
Political Activity ◽  
Older Students ◽  
College Age ◽  
Activity Factor ◽  
Previous Election ◽  
First Time

Rotter's (1966) I-E Scale and Mirels' (1970) Political Activity Factor derived from that scale were shown to have no significant value in predicting the voting behavior or political attitudes of 18- or 19-yr.-old college students voting for the first time or of older students who had been eligible to vote in a previous election Parental voting behavior and political attitudes were not significantly related to those behaviors and attitudes in students.

scholarly journals LONELINESS OF HIGH SCHOOL AND COLLEGE STUDENTS: THE RELATION OF SOCIO-DEMOGRAPHIC CHARACTERISTICS AND SELF-ESTEEM WITH LONELINESS

2020 ◽  
Vol 10 (1) ◽  
pp. 31-40
Author(s):  
Nataša Kostić ◽  
◽  
Šuajb Solaković ◽  
Keyword(s):  
College Students ◽  
High School ◽  
High School Students ◽  
Research Problem ◽  
Self Esteem ◽  
Demographic Characteristics ◽  
Significant Relation ◽  
School Students ◽  
Level Of Education ◽  
Significant Difference

The research problem relates to the examination of the relationof socio-demographic characteristics (gender, level of education and the place where most of childhood was spent) and the self-esteem of the respondents with loneliness.In investigating this problem, the focus was primarily on the perception of the distribution of loneliness, and the examination of the relation of independent variables (socio-demographic characteristics and self-esteem) with the dependent variable (loneliness).The sample of respondents consists of 677 high school students (49.34%) and college students (50.66%) of Bosnia and Herzegovina. The range of years of subjects ranges from 15 to 23 (AS = 18.696).The results of the study show that there is a statistically significant difference in loneliness with regard to gender (U = 38672.000, Z = -6.122, p = .000), to the level of education (U = 42292.500, Z = -5.905, p = .000) and the place in which the respondents spent most of their childhood (χ2 = 9.383, df = 2, sig = .009). The results show that there is a statistically significant relation between self-esteem and loneliness (ro = -.401, sig = .000, N = 676).

scholarly journals Credit Card Usage Among College Students in China

2018 ◽  
Vol 29 (2) ◽  
pp. 304-315 ◽  
Author(s):  
Rui Yao ◽  
Xiangyi Meng
Keyword(s):  
College Students ◽  
Credit Card ◽  
Credit Cards ◽  
Common Method ◽  
Financial Knowledge ◽  
Chinese College Students ◽  
Credit History ◽  
Using Data ◽  
High Level ◽  
Credit Card Usage

Credit cards have become a common method of payment for college students in China. It is important that they form good credit card usage behaviors and build a good credit history early in their financial life. Using data collected from 10 universities in China, results of this study found that being financially dependent on their parents is negatively associated with Chinese college students’ ability to pay their credit card bills. The study also found that students with a high level of financial knowledge were less likely to take cash advances on their credit card. Implications for financial educators and parents as well as policymakers were provided.

scholarly journals Attitudes toward Credit and Finances among College Students in Brazil and the United States

2013 ◽  
Vol 1 (1) ◽  
pp. 132 ◽  
Author(s):  
Jill M. Norvilitis ◽  
Wesley Mendes-Da-Silva
Keyword(s):  
United States ◽  
College Students ◽  
Parenting Practices ◽  
Credit Card ◽  
Student Loans ◽  
Credit Cards ◽  
Well Being ◽  
Developed Countries ◽  
The United States ◽  
Delay Of Gratification

Although research on credit card debt in developed countries has identified predictors of debt among<br />college students, it is unknown whether these same predictors apply in emerging markets, such as<br />Brazil. To examine this issue, a total of 1257 college students, 814 from Brazil and 443 from the United<br />States, participated in a study exploring the utility of a theory of planned behavior as a predictor of<br />credit card debtand student loans among college students, as well as perceived financial well-being.<br />Compared to the Brazilian participants, the American sample was more financially self-confident,<br />reported better financial well-being, and was more likely to believe that credit cards are negative.<br />Similar predictors of financial well-being emerged in the samples. Specifically, parenting practices<br />related to money and better self-reported delay of gratification are related to more positive financial<br />attitudes and lower levels of debt. Although the debt to income ratio among card holders was similar,<br />Brazilian students held more credit cards than American students. Greater delay of gratification was<br />related to lower levels of student loans in the United States, but there were no significant predictors of<br />student loans in Brazil.

scholarly journals Locus of Control or Self-Esteem; Which One is the Best Predictor of Academic Achievement in Iranian College Students

2016 ◽  
Vol In Press (InPress) ◽  
Author(s):  
Seyyed Nasrollah Hosseini ◽  
Mehdi Mirzaei Alavijeh ◽  
Behzad Karami Matin ◽  
Behrooz Hamzeh ◽  
Hossein Ashtarian ◽  
...  
Keyword(s):  
College Students ◽  
Academic Achievement ◽  
Locus Of Control ◽  
Self Esteem

Relationship between Jealous Feelings and Behaviors

1989 ◽  
Vol 69 (3-1) ◽  
pp. 765-766 ◽  
Author(s):  
Everton G. McIntosh ◽  
Sandra S. Tangri
Keyword(s):  
College Students ◽  
Locus Of Control ◽  
Self Esteem ◽  
Internal Attribution ◽  
Internal Locus ◽  
Internal Locus Of Control ◽  
And Behaviors ◽  
The Relationship

The relationship between jealous feelings and behaviors was investigated by giving 185 college students who were currently dating four measures. Analysis showed that high self-esteem, an internal locus of control, and the making of a dispositional (internal) attribution of the cause of jealousy were all significantly related to the use of direct coping (jealous) behaviors.

Self-Statements, Locus of Control, and Depression in Predicting Self-Esteem

1995 ◽  
Vol 76 (3) ◽  
pp. 1007-1010 ◽  
Author(s):  
Vincent D. Philpot ◽  
W. Bruce Holliman ◽  
Stephen Madonna
Keyword(s):  
College Students ◽  
Locus Of Control ◽  
Beck Depression Inventory ◽  
Self Esteem ◽  
External Locus ◽  
Control Scale ◽  
Adult Form ◽  
Automatic Thought ◽  
Significant Relationships ◽  
The Relationship

The contributions of frequency of positive and negative self-statements and their ratio, locus of control, and depression in prediction of self-esteem were examined. Volunteers were 145 college students (100 women and 45 men) who were administered the Coopersmith Self-esteem Inventory-Adult Form, Automatic Thought Questionnaire—Revised, the Beck Depression Inventory, and the Rotter Internal-External Locus of Control Scale. Intercorrelations suggested significant relationships among variables. The magnitude of the relationship was strongest between the frequency of negative self-statements and self-esteem. These results are consistent with and lend further support to prior studies of Kendall, et al. and Schwartz and Michaelson.

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